Services

Mortgage broker services Australia-wide – Cobblestone Financial
Residential Home Loan

Finding the right mortgage can be confusing. There are so many options out there. Low rates, honeymoon rates, comparison rates, offsets, redraw, P&I or IO repayment, Fixed or Variable. It's times like these you need expert advice to help you navigate through all the jargon and get real about what you actually need in a home loan. Sometimes it really is about low rate and fees but other times you need features to help you advance to where you want to go


 

First Home Buyers

There are so many options now for First Home Buyers. Stamp duty exemption, First Home Owners Grant or Boost, First Home Super Saver Scheme and the latest government initiative the First Home Loan Deposit Scheme. It's hard to keep up with the latest data and what if you don't qualify for any of these? What do you do then? We can walk you through this and also submit your applications for the various government schemes for you. If you don't qualify for any of these we can show you how you can still get into your first home. 

 

Investors

 

What most investors don't realise is that there is a lot more to investing than meets the eye. It's not just about buying a property to rent out. You have to have a pretty good plan in place first and know what your end game is. Then it's all about the right bank, the correct structure and a product that has the flexibility to enable you to invest again without any problems. You need to know when to accumulate and when to sit tight. It is so important to find a broker that has the expertise to partner with you long term.
 

Debt Consolidation

 

Ok sometimes we find ourselves in more debt then we planned to. Sometimes wrapping our smaller more expensive debts into one loan seems more convenient. Sometimes we just need to free up some cash or maximise our borrowing capacity to invest in another property or shares. All of these are great reasons to do debt consolidation. We can structure your debt correctly to ensure it doesn't take you 30 years to pay off your credit cards or car loan. Still reducing your monthly repayments and ensuring you put yourself in a better position financially for the future. 
 

Construction

To be honest, construction loans can be a nightmare. Some banks get this so right while others get it so wrong. Building a home can be stressful enough without the wrong back making it even tougher. We know who the good ones are and we know who to steer clear of. We understand the logistics of the progress payments and we are here to make it all run smoothly for you. 

 

Refinancing

if your bank just won't come to the party, then it's time to refinance. The right bank is so important. You may have chased the best rate on the day and now your rates are higher than anyone else in the market.  You might be stuck with terrible service and just need to move. You might want to do something new your bank doesn't agree to. Whatever it is, we know not only who has good rates today but who has consistently low rates all the time. We know which banks will allow us to do a rate review each year and which will not. We know which banks have the best policies and who are more flexible post-settlement. These are all so important when choosing a bank, it's never just about the rate.